Q: What’s the difference between Chapter 7 and Chapter 13 bankruptcy?
A: Chapter 7 eliminates most unsecured debt quickly. Chapter 13 sets up a structured repayment plan over 3 to 5 years. We’ll help you choose what’s best for your situation.
Q: Will I lose everything if I file for bankruptcy?
A: Not at all. Most people keep their homes, vehicles, and essential belongings. The law protects more than you might think - and we’ll walk you through it clearly.
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Q: How long does bankruptcy stay on my credit report?
A: Chapter 7 remains for 10 years, Chapter 13 for 7. But many people begin rebuilding their credit much sooner - and we’ll help you understand how.
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Q: Can bankruptcy stop collection calls?
A: Yes. Bankruptcy puts an immediate legal stop (called an “automatic stay”) on collections, garnishments, and lawsuits. Relief begins as soon as your case is filed. If you get a collection call after we've filed, let us know right away.
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Q: Will bankruptcy ruin my credit forever?
A: Not at all. Bankruptcy is a financial reset - not a life sentence. Many people’s credit improves after filing, and we’ll guide you on rebuilding it smartly. In fact, you may get offers for credit shortly after filing that can help you rebuild your credit rating.
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Q: Am I eligible to file Chapter 7 bankruptcy?
A: Most people are. It depends on your income and debt situation, and we’ll go over that with you during your free consultation.
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Q: Can I file for bankruptcy on my own?
A: Yes you can, but small errors can cause big delays. Our flat-fee service ensures everything is done right, and you have support every step of the way.
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Q: Will I have to go to court?
A: Not a traditional courtroom. You’ll attend a short meeting with a bankruptcy trustee — and we’ll help you prepare so it’s smooth and stress-free.
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Q: What debts can’t be discharged in bankruptcy?
A: Student loans, child support, and certain tax debts are generally not discharged. But we’ll review your situation clearly so there are no surprises.
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Q: How much does it cost to file for bankruptcy?
A: Our Chapter 7 service is a flat $799 plus $338 paid directly to the court, with no hidden fees. You’ll get professional preparation, personalized guidance, and support through every step.
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Still have questions?
We’re here to help. Book your free consultation or Contact Us and we’ll walk you through it with clarity and care.
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